Business Finance for Sheffield. From £10k to £10m

Steel made Sheffield's name and advanced manufacturing keeps it going, with a deep engineering supply chain that reaches every corner of South Yorkshire. Getting the right funding into that chain matters, which is where a broker earns its place. Funding Flow does not lend its own money. Instead we take a single application and shop it across 50+ lenders, then a real person handles your case start to finish rather than passing you between call centres. Many of our clients have a decision inside 24 hours, and the facilities we place range from £10k up to £10m and higher for larger jobs.

Manufacturers here often need new machinery before a contract can start, so asset finance is the workhorse, letting you buy the kit and pay for it as it earns. Construction firms face the opposite squeeze, with money owed on completed work and materials to buy for the next site, and that is where invoice finance and short bridging facilities help. Hauliers moving steel and finished goods use asset finance for trucks and trailers. Where a firm takes card payments through a trade counter or showroom, a Merchant Cash Advance is repaid as a share of daily card takings, which flexes with a quiet month.

Beyond the day to day, we handle VAT loans, HMRC tax finance, secured and unsecured business loans, commercial mortgages and development finance for firms expanding their footprint. Whole of market means we compare options properly instead of pushing one product, and we will tell you when borrowing is the wrong move. Funding Flow is not regulated by the FCA, which is correct for business to business commercial finance. Sheffield businesses can send us a short summary of what they need and we will come back with realistic numbers, not a sales pitch.